Create new image. Mine is 600*150px. Color the background in white. Select the selection tool and make the selection type: rounded rectangle. Now draw the nav bar. Go to menu Effects > 3D effects > Drop shadow to add some shadow with following settings:

 
Your image should now look like this:Now go to menu Selections > Modify > Contract and set it to 3 pixels to get something like this:

Set your foreground color to gradient and edit it to look something like this:


Now select the flood fill tool and fill the selection with gradient to get something like this:

Again edit your gradient color to look something like this:


Now select the pen tool and select stroke width to 3 pixels. Draw some lines to divide nav bar sections.Now write the section names and that is it.

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